Skip Navigation Download Adobe® Acrobat Reader to view Portable Document Format (PDF).
SAG-AFTRA Federal Credit Union,
Search LOGIN
LOGIN

Rates

APR AS LOW AS1 APPLIES TO LOANS WITH AUTO TRANSFER OF PAYMENT FROM YOUR CHECKING ACCOUNT 

                                                                                                     Effective March 16th, 2023

SAVINGS
SAVINGS Accounts Terms & Balances Primary Share Savings Regular Additional Regular Share Savings IRA Share Savings Coogan Share Savings Young Performer Share Savings
Minimum Deposit to Open Account $25 None $25 $25 $25
Minimum Balance to Maintain the Account or Avoid Low Balance Fee $250 None None None None
Minimum Balance to Earn Dividends $250 $250 $25 $25 $25
Balance Tiers to Earn Dividends: Annual Percentage Yield Annual Percentage Yield Annual Percentage Yield Annual Percentage Yield Annual Percentage Yield
$25.00 - $9,999.99

0.300% 0.300% 0.300%
$250.00 - $9,999.99 0.300% 0.300% 0.300% 0.300% 0.300%
$10,000.00 - $24,999.99 0.300% 0.300% 0.300% 0.300% 0.300%
$25,000.00 - $49,999.99 0.300% 0.300% 0.300% 0.300% 0.300%
$50,000.00 - $99,999.99 0.500% 0.500% 0.500% 0.500% 0.500%
$100,000.00 and Over 0.550% 0.550% 0.550% 0.550% 0.550%

CERTIFICATES
CERTIFICATE Accounts Minimum Deposit and Balance $1,000** Minimum Deposit and Balance $10,000** Minimum Deposit and Balance $25,000** Minimum Deposit and Balance $50,000**
CERTIFICATE Term: Annual Percentage Yield Annual Percentage Yield Annual Percentage Yield Annual Percentage Yield
6 Months 2.500% 2.600% 2.650% 2.700%
12 Months 3.000% 3.100% 3.150% 3.200%
24 Months 3.000% 3.100% 3.150% 3.200%
36 Months 3.000% 3.100% 3.150% 3.200%
48 Months 3.500% 3.600% 3.650% 3.700%
60 Months 3.700% 3.800% 3.850% 3.900%

CHECKING
CHECKING Accounts Terms & Balances Performance Checking Account eChecking Account Senior Checking Account Health Savings Account (HSA)
Minimum Deposit to Open Account $25 $25 $25 $25
Minimum Balance to Maintain Account None None None None
Monthly Service Charge $7.95 $0.00* $0.00* None
Minimum Average Balance to Avoid Service Charge $1,000.00** $0.00* $0.00* None
Minimum Average Balance to Earn Dividends $1,000 N/A N/A No Minimum
Balance Tiers to Earn Dividends: Annual Percentage Yield Annual Percentage Yield Annual Percentage Yield Annual Percentage Yield
$ 0.01 and Over


0.010%
$1,000.00 and Over 0.010% N/A N/A

MONEY MARKET
MONEY MARKET Account Terms & Balances
Money Market Savings Account
Minimum Deposit to Open Account
$2,500
Minimum Balance to Maintain Account or Avoid Fee
$2,500
Minimum Balance to Earn Dividends
No Minimum
Balance Tiers to Earn Dividends:
Annual Percentage Yield
$ 0.01 - $2,499.99
0.300%
$2,500 - $24,999.99
0.800%
$25,000.00 - $49,999.99
0.950%
$50,000.00 - $74,999.99
1.300%
$75,000.00 - $99,999.99
1.400%
$100,000.00 and Over
1.450%
¹ indicates a 1% discount rate for loans scheduled for auto pay    
  APR* means Annual Percentage Rate. Limit Time Offer. 
 
AUTOMOBILES
Loan Type Financing up to 100% based upon creditworthiness Amount Term Up to APR* As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR* As Low As¹ Repayment Per $1,000 Borrowed Based on APR & Term
2022 & Newer Model Years


100%



$5,000 or more


60 Months


5.99%


$19.34



4.99% 



$18.88




2022 & Newer Model Years 100% $5,000 or more 72 months 6.24% $16.70 5.24% $16.23

100% $5,000 or more 84 Months 8.24%
$15.72
7.24%
$15.22

2018-2021 Model Year 100% $5,000 or more 60 months 6.49% $19.57 5.49%
$19.11
2018-2021 Model Years
100%  $5,000 or more 72 Months 6.74% $16.94 5.74% $16.46

100%  $5,000 or more 84 Months 8.74% $15.97 7.74% $15.47
2013-2017 Model Years  100% $5,000 or more 60 Months 7.99% $20.28 6.99% $19.81

MOTORCYCLES AND BOATS
Loan Type Financing up to 90% based upon credit worthiness Amount Term Up to APR* As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR* As Low As¹ Repayment Per $1,000 Borrowed Based on APR & Term
2022 and Newer Model Years 90% $15,000 or more 84 Months 7.49% $15.34 6.49% $14.85

90% Less Than $15,000 72 Months 7.99% $17.54 6.99% $17.05

90% Less Than $5,000 72 Months 9.49% $18.28 8.49% $17.78
2018-2021 Model Years 90% $15,000 or more 72 Months 7.75% $17.42 6.75% $16.94

90% Less Than $15,000 60 Months 8.25% $20.41 7.25% $19.93

90% Less Than $15,000 60 Months 9.75% $21.14 8.75% $20.65
2013-2017 Model Years 90% $15,000 or more 48 Months 7.75% $24.31 6.75% $23.84

90% Less Than $15,000 48 Months 8.25% $24.54 7.25% $24.07

90% Less Than $5,000 48 Months 9.75% $25.26 8.75% $24.78

RECREATIONAL VEHICLES
Loan Type Financing up to 90% based upon credit worthiness Amount Term Up to APR* As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR* As Low As¹ Repayment Per $1,000 Borrowed Based on APR & Term
2022 & Newer Model Years 90% $15,000 or more 84 Months 7.49% $15.34 6.49% $14.85

90% Less Than $15,000 72 Months 7.99% $17.54 6.99% $17.05

90% Less Than $5,000 72 Months 9.49% $18.28 8.49% $17.78
2018-2021 Model Years 90% $15,000 or more 72 Months 7.75% $17.42 6.75% $16.94

90% Less Than $15,000 60 Months 8.25% $20.41 7.25% $19.93

90% Less Than $5,000 60 Months 9.75% $21.14 8.75% $20.65
2013-2017 Model Years 90% $15,000 or more 48 Months 7.75% $24.31 6.75% $23.84

90% Less Than $15,000 48 Months 8.25% $24.54 7.25% $24.07

90% Less Than $5,000 48 Months 9.75% $25.26 8.75% $24.78

SIGNATURE LOANS (MINIMUM LOAN AMOUNT $1,500)
Loan Type Financing Amount Term Up to APR* As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR* As Low As1 Repayment Per $1,000 Borrowed Based on APR & Term

N/A Up to $15,000 60 Months 10.90% $21.20 9.90% $20.72

MUSICAL INSTRUMENT AND MUSICAL EQUIPMENT LOANS
Loan Type Financing Amount Term up to APR* As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR* As Low As¹ Repayment Per $1,000 Borrowed Based on APR & Term

N/A Up to $50,000
Up to 60 Months
6.99%
$19.80 5.99%
$19.29
Musical Instrument and Musical Equipment Loans must be back by a UCC filing

VISA CREDIT CARD (VARIABLE RATE)
Loan Type Financing Amount Term Up to APR* As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR* As Low As Repayment Per $1,000 Borrowed Based on APR & Term
Automatic Payment Discount Not Available
Credit Limits up to $15,000 Revolving APR as low as
12.24%
N/A Prime + a margin N/A

SHARE SECURED LOAN
Loan Type Financing Amount Term Up to APR* As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR* As Low As¹ Repayment Per $1,000 Borrowed Based on APR & Term
Automatic Payment Discount Not Available 100% of Share Bal. Up to $10,000 24 Months 3.50% $43.21


100% of Share Bal. Up to $10,000 48 Months 4.00% $22.59 - -

100% of Share Bal. Up to $10,000 72 Months 5.00% $16.11


CERTIFICATE SECURED MINIMUM LOAN AMOUNT $1,500
Loan Type Financing Amount Term Up to APR As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR As Low As¹ Repayment Per $1,000 Borrowed Based on APR & Term
Automatic Payment Discount Not Available Borrow up to 90% of your Certificate Balance for 2 Years or Less

3.00% Above Certificate Dividend Rate
- -

Borrow up to 90% of your Certificate Balance for 2 Years or Less

3.00% Above Certificate Dividend Rate



Home Equity
Loan Type CLTV Amount Maximum Term Up to APR*
Home Equity Line of Credit Up to 70% $125,000 20 year Prime + 0.25%
Home Equity Line of Credit Up to 80% $125,000 20 year Prime + 0.50%

MORTGAGE LOANS
Loan Type LTV Amount Maximum APR
5/1 ARM 80% $2,000,000 weekly rate
15-Year Fixed 80% $2,000,000 weekly rate
30-Year Fixed 80% $2,000,000 weekly rate
*Auto Loan rates over $100,000 will be subject to a 0.50% rate increase

**APR is Annual Percentage Rate and is accurate as of 01/01/2023. Expiration date of promotion and rates are subject to change without notice. Minimum loan amount $5,000.00. Maximum term of 36 months. Direct pay by Credit Union required. Loans are subject to SAG-AFTRA FCU lending guidelines. Our rate includes a 1% discount for automatic payment from your SAFCU checking account. APR as low as 7.74% up to 36 months (Example: “For a $20,000 personal loan for a term of 36 months with an 7.74% APR, the monthly payment will be $624.39.”) Qualifying rate based on credit worthiness. Loan proceeds cannot be applied to existing SAFCU loans. SAG-AFTRA Federal Credit Union membership and account required. See Credit Union Representative for more details regarding eligibility.
Offer expires February 28th, 2023.